Insurance Act 2015: Primary legislation governing insurance contracts in England and Wales, establishing principles of fair presentation, warranties, and remedies for breach
Third Parties (Rights against Insurers) Act 2010: Legislation allowing third parties to claim directly against insurers in certain circumstances, particularly relevant for policy limit demands
Consumer Insurance (Disclosure and Representations) Act 2012: Act governing consumer insurance contracts and the duty of disclosure, affecting how policy terms are interpreted
Financial Services and Markets Act 2000: Framework legislation regulating financial services including insurance in the UK
Contract Law Act 1999: General contract law principles affecting formation and interpretation of insurance contracts
Unfair Contract Terms Act 1977: Legislation controlling unfair terms in contracts, including insurance policies
Consumer Rights Act 2015: Legislation protecting consumer rights, relevant when dealing with consumer insurance policies
Limitation Act 1980: Establishes time limits for bringing legal claims, crucial for policy demand deadlines
Civil Procedure Rules - Pre-Action Protocols: Procedural rules governing how claims should be handled before court proceedings
Civil Procedure Rules Part 36: Specific rules regarding settlement offers, crucial for policy limit demands
FCA Regulations: Financial Conduct Authority regulations governing insurance company conduct and consumer protection
PRA Requirements: Prudential Regulation Authority requirements ensuring insurers maintain adequate financial resources
Insurance: Conduct of Business Sourcebook (ICOBS): Detailed rules for insurance business conduct set by the FCA
UK GDPR: Data protection legislation governing how personal information must be handled in insurance claims
Data Protection Act 2018: UK's implementation of data protection requirements, working alongside UK GDPR
